Save Money on Health Insurance!

Short Term Medical Insurance- affordable temporary health insurance

An accident or illness can occur at any time which can lead to expensive medical bills. Being uninsured for only a few months could cost you financially and jeopardize your nest egg. Short term medical insurance is designed to provide inexpensive protection for less than 12 months. Since coverage starts the day after you apply a short term medical insurance policy, you do not have to go unprotected.

Short term medical insurance is a great alternative for individuals who need affordable temporary health insurance for 1 to 12 months. This type of medical insurance may be right for you if you are:

Between jobs and want to maintain continuous health insurance coverage to help protect your HIPAA rights

A new graduate without health insurance

Recently laid off or between jobs and need medical insurance

Newly hired and are waiting for your employer’s group health insurance to begin

Coverage can begin as early as the day your application is submitted and the required premium is paid

Most states allow you to re-apply for a new short term medical plan if you need coverage after the policy expires

Short term medical insurance is subject to medical underwriting, as each applicant is required to answer medical questions. Depending on the response, the health insurer will either accept or reject the application.

Short term medical insurance may not be right for you if your medical insurance need is greater than one year or you have a serious or significant pre existing health condition. Once the short term medical insurance policy expires coverage cannot be renewed. This means you must reapply for a new short term medical insurance plan and meet the health insurers medical underwriting guidelines again.

Like most medical insurance, pre existing health condition(s) are subject to limitations with short term medical insurance. A pre existing condition is usually defined as a medical condition (ailment, disorder or disease) as a result of an illness or accident that was present twelve months prior to the effective date of the short term medical insurance plan. Since most medical insurance covers pre existing health conditions after twelve months of continuous coverage under the policy, short term medical insurance will not pay benefits for a pre existing health condition.

Are you paying for costly prescriptions out of your own pocket? Do you not have prescription drug coverage under your existing medical insurance plan? Save money on prescription drugs immediately with a no hassle low cost prescription drug card card. There are no pre-existing condition limitations or health questions to answer. Use the card immediately for instant savings. It is great for the entire family. Everyone qualifies, even children!

No monthly or annual benefit payment maximums or caps- purchase as many medications as you need

The prescription drug card uses a four tier formulary:

Tier 1 > generic drugs – you receive a benefit payment of up to $10.00

Tier 2 > brand name and select generic drugs – you receive a benefit payment of up to $20.00

Tier 3 > brand name and select generic drugs – you receive a benefit payment of up to $50.00

Tier 4 > brand name drugs – special discount only, no benefit payment

Get the most out of the prescription drug card by having your doctor prescribe medication within Tiers 1, 2 or 3. A generic, lower cost prescription medication within the same therapeutic class can often replace a moreexpensive brand name drug. If you choose the higher price brand name drug, however, you will receive a significant discount off the retail price of the drug.

Tier 1 medications (card pays up to $10 per Rx), include:

Tier 1 – Up to $10 Payment

Dosage

Quantity

﻿﻿Glyburide

2.5mg

30 Tabs

Allopurinol

100mg

30 Tabs

Digoxin

.125mg

30 Tabs

Amoxicillin

250mg

30 Caps

Penicillin

250mg

30 Tabs

Tetracycline

250mg

30 Caps

Estradiol

1mg

30 Tabs

Propranolol

40mg

30 Tabs

Trazodone

100mg

30 Tabs

Alprazolam

.25mg

30 Tabs

Hydrocortisone

2.5%

30 gm

E.E.S.

400 Tabs

30 Tabs

Atenolol

50mg

30 Tabs

Lisinopril

10mg

30 Tabs

Furosemide

40mg

30 Tabs

Tier 2 medications (card pays up t0 $20 per Rx), include:

Tier 2 – Up to $20 Payment

Dosage

Quantity

﻿﻿Minocycline

50mg

30 Caps

Sulfasalazine EC

500mg

30 Tabs

Naproxen EC

375mg

30 Tabs

Amoxil Chw

400mg

30 Taps

Enalapril

5mg

30 Tabs

Piroxicam

20mg

30 Caps

Amaryl

1mg

30 Tabs

Lanoxin

.25mg

30 Tabs

Synthroid

100mcg

30 Tabs

Ranitidine

300mg

30 Tabs

Etodolac

200mg

30 Cabs

Zolpidem

10mg

30 Tabs

Fluoxetine

20mg

30 Cabs

Dilantin

1000mg

30 Cabs

Glucotrol XL

2.5mg

30 Tabs

Tier 3 medications (card pays up t0 $50 per Rx), include:

Tier 3 – Up to $50 Payment

Dosage

Quantity

﻿﻿Accoloate

10mg

30 Tabs

Buspar

5mg

30 Tabs

Bactroban cream

2%

15 gm

Diovan

40mg

30 Tabs

Cardene

30mg

30 Caps

Lortab

10mg

30 Tabs

Kenalog Lotion

.01%

60 gm

Paroxetine Hcl

20mg

30 Tabs

Rampiril

5mg

30 Tabs

Cytomel Tab

50mcg

30 Tabs

Macrodantin

25mg

30 Caps

Topicort LP Cream

.05%

15 gm

Allegra

60mg

30 Tabs

Premarin

.625mg

30 Tabs

Glucophage XR

750mg

30 Tabs

Tier 4 medications (discount only), include:

Tier 4 – Discount Only

﻿﻿Actonel

Actos

Ambien

Amerge

Atacand/ HCTZ

Avandia

Avinza

Cipro XR

Concerta

Cozaar

Crestor

Detrol LA

Foradil

Hyzaar

Ketek

Lexapro

Lipitor

Lotrel

Lumigan

Mobic

Nexium

Novolog

Paxil

Travatan

Valtrex

Viagra

Zetia

Since this prescription drug card pays up to the fixed payment for drugs specified in each tier indicated above, it is not considered insurance.

Start now by enrolling in this hassle-free prescription drug card program. It is fast, easy and online. If within 10 days of purchase you are not satisfied and have not used the prescription drug card, then return the prescription drug card program for a refund.

According to the American Dental Hygienists’ Association, oral health is a critical component of total health. Recent research has linked periodontal disease to heart and lung disease, diabetes, low-birth weight babies, and a number of other systemic diseases.

Dental caries (decay) is the most common chronic disease nationally affecting 53% of 6-8 years olds and 84% of 17 year olds. Fortunately, caries is preventable through the use of fluoride and dental sealants and is less than half the cost of one silver filing.

Serious oral health problems also occur among adults too. Each year about 30,000 Americans are diagnosed with oral and pharyngeal (throat) cancers, and more than 8,000 people die of these diseases. In addition, almost 30% of elderly adults no longer have their natural teeth due to tooth decay and gum disease.

As the cost of dental care increased over the years, dental insurance has gained in popularity. Many employers offer some form of group dental insurance today. However, it is estimated that only 62% of employers actually offer full coverage dental insurance.

If you are paying too much or do not have full coverage dental insurance, an individual dental insurance plan will help promote your overall health and wellness, and protect your pocketbook.

Studies show those without full coverage dental insurance are less likely to see a dentist than those with dental insurance. The uninsured tend to visit a dentist only when they have a problem and forgo important preventive care (cleanings, exams and x-rays) which tend to result in health issues and expensive dental treatment down the road.

Cost of restorative treatment is more expensive than preventive services

Good oral hygiene can prevent disease. The early detection and treatment of oral disease is critical to saving lives. During oral health examinations, dental hygienists can detect signs of many diseases and conditions like HIV, oral cancer, eating disorders, substance abuse, osteoporosis, and diabetes. In addition, dental hygienists can work with patients to develop oral health care treatment plans that manage oral infection so it does not exacerbate serious diseases.

Most individual dental insurance plans usually pay some or all of the cost of the following dental services and supplies:

1. Preventive: cleaning, exams, sealants and fluoride treatment

2. Diagnostic: bitewing x-rays and full mouth x-rays

3. Basic: fillings, simple extractions and repairs

4. Major: oral surgery, periodontics (treatment of diseases affecting the gums and supporting structures), prosthodontics (replacement of missing teeth and related mouth or jaw structures by bridges, crowns, dentures or other artificial devices) and endodontics (treatment of diseases of the dental pulp, tooth root, and surrounding tissues, including root canals)

5. Orthodontia: correcting irregularities of the teeth by the use of braces or other devices (orthodontia is an optional benefit under most individual dental insurance plans and services are covered for juveniles only).

What are the most common reasons for purchasing full coverage dental insurance?

An individual dental insurance plan can benefit you in many ways, including:

1. Financial protection – without some form of dental insurance to help cover the expense of dental care, the cost of paying for expensive dental procedures, such as restoration, surgery, endodontic and periodontal services, is simply not affordable.

2. Maintenance of a healthy mouth and overall wellness – studies show that regular dental check-ups and cleanings help maintain overall health. That is why most dental insurance pays 100% for routine exams and cleanings every six months.

3. Prevention for children – from fluoride treatment to sealants and braces, children can benefit significantly from regular professional dental care. Dental insurance can help make the cost of preventive care more affordable, even orthodontia.

Types of Full Coverage Inexpensive Dental Insurance

There are several types of individual and student dental insurance plans, including:

Dental Preferred Provider Plans

Dental Maintenance Organization (DMO) Plans

Scheduled Reimbursement Dental Plans

Discount Dental Plans

Indemnity Dental Insurance

These are “traditional” dental insurance plans where the dental insurance plan covers a percentage of your dental expenses. Since there are no network providers, dental services can be obtained from any dentist.

After you satisfy the deductible, the dental insurance plan generally pays for covered services up to an annual maximum, usually between $1,000 and $2,000. Indemnity dental insurance will pay based on the Reasonable and Customary (R&C) expense. That means if your dental provider charges more than the R&C expense, as determined by the dental insurance company, you will be responsible to pay the difference. Additionally, individual dental insurance may have waiting period(s) for certain services.

Dental Preferred Provider Plans (PPO)

Although, generally less expensive than indemnity dental insurance, PPO (Preferred Provider Organization) dental plans work very much the same way. They also offer the option to obtain dental care from a network provider. Since the dental insurance company has negotiated discounts with participating providers, you pay less for dental services. While individuals can also seek treatment from dentists outside of the PPO, they will have higher out-of-pocket costs.

Just like indemnity dental insurance, benefit payments made by the dental insurance plan can be paid to you or directly to your dentist, if you assign them. Reasonable and Customary, however, does not apply when dental services are received from a network provider. That means your dentist cannot bill you for the difference between the negotiated rate and his/her retail charge for the services rendered.

DMO Dental Insurance

These dental plans, also called DMO’s, operate the same as health maintenance organizations. As a result, they maintain a much smaller network of dental providers because DMO’s pay a set fee each month to the participating dentist you select. DMO plans reward participating dentists who keep patients in good health and keep plan costs low. The premium for a DMO dental plan is generally the lowest of any type of dental insurance plan. Your out-of-pocket expense for dental services is also less too. However, the trade off is less flexibility because there are much fewer dental providers to choose from than traditional PPO dental plans and care must be rendered by the dentist you select.

Scheduled Reimbursement Dental Plans

A scheduled reimbursement dental plan pays a fixed dollar amount based on the fee schedule that appears in the dental insurance policy. This fee schedule lists a wide range of dental services and shows exactly how much the dental insurance plan will pay you for each service. Most scheduled dental plans include a deductible and calendar year maximum. Some have waiting periods for certain procedures. You are responsible for paying your dentist the difference between what the dental insurance policy pays and the amount of your dentist’s actual charges.

Dental Discount Plans

Discount dental plans are not insurance. They simply provide discounts for a wide range of dental services when care is obtained from a participating dentist. Health discount plans represent a great value and alternative if you do not have or cannot afford individual dental insurance.

At healthinsuranceadvisory.org, we offer a FREE health discount plan. This program provides significant discounts on prescription drugs, dental expenses and vision services at major chains and local providers across the country. No enrollment, membership or monthly fees. Use it immediately. There are no usage restrictions and you are not required to provide personal information to get one!

Start saving today. You will realize discounts up to 65% on prescription drugs, 25% to 40% over usual charges for dental services and 10% to 50% off eyewear, contact lenses and exams. Download and print your FREE health discount card now!

Since dental insurance rates are regulated, the dental insurance premium you pay is the same as buying direct from the health insurer. At healthinsuranceadvisory.org, you have total peace of mind knowing that you are paying the best possible price.